Credit card -- Fees or interest -- Complaint #19516543
Complaint Overview
Complaint ID: 19516543
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Florida
ZIP Code: 33185
Date Received: 2026-02-15T12:00:00-05:00
Date Sent to Company: 2026-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute recent charges applied to my credit card accounts related to a furniture purchase made in XXXX at XXXX XXXX. At the time of purchase, the seller clearly informed me that I had two ( 2 ) years interest-free to pay off the balance and that scheduled payments would be set up to complete the debt within that period. Based on this information, I agreed to the purchase. I relied on the sellers representation in good faith. I have not used these credit cards again since the original purchase. However, upon recently reviewing my account, I was surprised to find charges totaling approximately {$1300.00} on each of two cards, and one card now shows a negative credit balance. When I contacted the credit card company, I was informed that I only had 18 months to pay the balance, and because of this, more than {$1000.00} in interest and fees was added to each account. This directly contradicts the information provided by the seller at the time of purchase. The seller provided incorrect and misleading information, which resulted in unexpected and significant financial harm. Had I been properly informed of an 18-month term, I would not have agreed to the purchase under those conditions. I respectfully request the following : A full review of this account for billing errors and misrepresentation. Removal or adjustment of the interest and penalty charges applied due to incorrect terms. A temporary hold on further interest or negative reporting while this dispute is under investigation. Please let me know what documentation you require from me to support this dispute. I am prepared to cooperate fully to resolve this matter promptly. Thank you for your attention and assistance. cards : XXXX ran XXXX XXXX XXXX card number XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #19516543 about?
Complaint #19516543 was filed against Citibank, N.A. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2026-02-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.